Navy Federal Debit Card Not Working (7 Reasons)

Is your Navy Federal Debit card not working?

Or Navy Federal card is declined, but you have money in it?

If your Navy Federal Debit card or credit card is not working or getting declined, you have landed on the right page.

Here, we have discussed all the possible reasons we have found out after digging out information from several forums, official blogs and other relevant sources.

So, let’s get started.

It can become very annoying when your debit card does not work or keep getting declined even when you have money in it.

Well, there isn’t much to worry if your Navy Federal Debit card is not working as there are some common reasons why it does not work. So, let’s dive deep into the details.

Why is my Navy Federal Debit card not working or declined

Short answer: Navy Federal Debit card may not work or get declined due to many reasons such as card not activated, wrong pin details, server issues, card is damaged, transaction limit reached, card is frozen or blocked, etc.

Below, we have discussed all the points in detail:

1. Card not activated

If you have recently got a new Navy Federal debit card, and it’s not working, the reason could be that it is not activated.

Yes, before using the Navy Federal card you will have to activate it.

That being said, you can activate the Navy Federal card in three ways:

  • Mobile App: Sign in to your Navy Federal mobile app, choose the checking account associated with your debit card and select “manage card”. Under the option to manage the card choose, “Activate Card”.
  • Online Banking: You can sign in to online banking at and select the “account services” tab to activate your card.
  • Phone: 1-800-531-9561

2. Server Down

If your card is already activated, but it is not working or keeps getting declined, the reason could be the server issues.

It’s always a good idea to know whether the issue lies on your end or on the server’s end.

That being said, you can check the server status of Navy Federal online for free.

We would suggest, visiting the Downdetector page for Navy Federal.

Here, check the users’ comments and number reports. More reports mean the servers are having problems and the issue is widespread.

In this case, you would like to wait till the servers get restored.

3. Card is damaged

Moving on, another reason your Navy Federal debit card may not work could be due to the fact that the card itself is damaged.

Debit/credit card consists of microchips. These chips contain all your data; your card will not work if it gets damaged.

High temperature, corrosive chemicals, and high magnetic fields are some of the factors that can affect the card’s microchip.

So, if you feel your card is too old or might have been damaged, you could like to get a replacement card.

How to get a replacement for the Navy Federal debit card:

Tap Manage Card, then select Order Debit Card and select either Replace Existing Card or Order Additional Card. Once your new card arrives, choose Activate Card from the Manage Card screen.

4. Wrong pin

Moving on, another reason your Navy Federal debit is keep getting declined could be that you are entering the wrong pin of the card.

If you are using the card for online transactions or at a place where the card details such as its 16-digit number, CVV number, cardholder name, and other details as asked, you might be entering any of these details wrong.

Entering the wrong pin multiple times (usually three or more) can also trigger the card to get temporarily frozen.

So, make sure you enter the correct details, especially the 16-digit number and the cardholder name (the name associated with the card, not your nickname or anything)

In case you do not remember the pin, do not try to guess the pin rather just generate a new pin.

5. Transaction limit reached

The Navy Federal debit card comes with certain transaction limits such as shopping, online transactions, contactless card transactions, international transfer limit, etc.

So, if you are using your Navy Federal debit card for a transaction that exceeds the transaction limit, the card will get declined or will not work.

You can set or adjust the transaction limits for each type of payment by logging into your Navy Federal online banking or mobile banking.

6. Card is freeze

Another reason your Navy Federal card may not be working could be that the bank might have detected your transaction as a suspicious one.

In some types of transfers and transactions, banks set a security measure that prevents your card from being misused online.

So when you enter your card details on websites, your card prevents you from carrying out the transaction.

So you are required to contact your bank and verify that you are yourself authorizing the transaction. Then the transaction is processed.

7. Card is Expired

If you are debit card is not working, the reason could be that the card is expired.

Most of the cards have their expiry date printed on them, so check that your card hasn’t expired.

Your bank also notifies you via SMS or email when your card is going to expire.


So, that’s for today. I hope after reading this post, you have got to know why your Navy Federal debit card was not working or keeps getting declined even when you have money in it.

To read more posts, have a glimpse at our debit card or credit card section or simply follow a few related posts below.

Further Reading:

Fix: Navy Federal direct deposit not showing

How to view Credit Card number on Navy Federal app & Debit Card

Navy Federal ‘You only have access to Statements & Messages at this time’

7 Ways to get money from Bank account without Debit Card (2022)